Place a non-stick pan over medium heat and add a small drizzle of oil. Add the ground beef, onion, and garlic, then fry for about 5 minutes until the beef turns light brown and breaks into small pieces.
Add the cumin, paprika, chilli powder, dried oregano, salt, and black pepper. Stir until the spices coat the beef and smell warm.
Preheat the oven to 190°C fan or 210°C / 375°F. Add the cooked rice, black beans, and passata to the beef pan, then stir until the filling is evenly coated.
Slice the bell peppers in half lengthwise and remove the seeds and pale ribs so the pepper halves are ready to fill.
Stuff the pepper halves with the filling. Arrange the peppers in an oven-proof dish or tray, top each pepper with cheddar, cover with foil, and bake for 30 minutes.
Remove the foil and bake for another 15 minutes, until the pepper edges are lightly charred and the cheese has melted. Let the peppers sit for a couple of minutes, then serve with sour cream, jalapeños, and lime.